Merchant's Guide to E-Commerce Payment Gateways
Issue 48, July 15, 2001

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Dear Friends,

In the July issue:

• A Merchant's Introduction to E-Commerce Payment Gateways
• At What Point Is a Merchant Account Better Than PayPal or CCNow?
• Survey of 90 Payment Gateways: Info and User Feedback

One of the most important e-commerce decisions you'll make is your choice of a payment gateway, the bridge or gateway between your e-commerce website and your bank's credit card processor. A number of factors go into the decision, and you can't afford to make the wrong choice. In this issue I'll share my conclusions after 100 hours of research, feedback from my world-wide network of readers about their experiences -- both good and bad -- with the payment gateways they've tried, and sound recommendations to guide your decisions. This will also be available as an e-book in PDF format the week of July 29th.

God bless you,
Dr. Ralph F. Wilson, Editor

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A Merchant's Introduction to E-Commerce Payment Gateways

This key article summarizes Dr. Wilson's extensive research into payment gateways. He describes simply what a payment gateway is, how the typical US payment gateway works, and varieties of payment transfer systems in various countries. He explains the four main kinds of payment gateway systems and the pros and cons of each. Finally, he makes recommendations on which gateways seem to offer the best service price combinations, and which gateways to avoid. (If you're not a subscriber, subscribe now. The information you'll receive could easily save you many times the subscription price.) Read the Article.

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At What Point Is a Merchant Account Better Than PayPal or CCNow?

There comes a point where a merchant account / Payment Gateway approach is cost effective. In this article, Dr. Wilson tells you exactly where that point is. (Free). Read this Free Article.

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Regional Gateways with Notes and User Feedback

International United States Canada Latin America Western Europe Eastern Europe

Africa Middle East South Asia Southeast Asia East Asia Australia/New Zealand Enterprise Level

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Special Kinds of Gateways

• Wallets (shoppers must join or download software)
• Service Bureaus (no merchant account needed)
• International (allows sales in different currencies)
• Enterprise Level (sells payment gateway software and infrastructure to acquiring banks, financial institutions, and large companies)

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Sorted in Different Ways

• Company Name with URLs
• Gateway Name with URLs

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New Ecommerce and Web Marketing Articles

Each month our team of link editors scours dozens of online periodicals and resources to find key information on e-commerce and Web marketing. With so much new literature available to you, how do you find what you need quickly and painlessly? Here's a selective and searchable database of article and resource links to help your research and keep you up-to-date in the field. (Links gathered in a given month are usually available during the second week of the following month.)

Select... Last Month Last 2 Months Last 3 Months Last 6 Months

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Gateways Included

Anacom, Anacom Merchant Services, United States, Notes Authorize.net, Authorize.net, United States, Notes Banco Comercial Portugues, Banco Comercial Português, Portugal, Notes Bank Merchant POS (BMP), Bank of China, China, Notes Beanstream, Beanstream Internet Commerce, Inc., Canada, Notes Bibit, Bibit Internet Payments, Netherlands, Notes Bill4me.com, Facilitate I.T. Inc., Canada, Notes Biz*Star PX, Shanghai Shared Data Network Co. Ltd (SSDN), Singapore, Notes Business Gateway Service, WorldCom, Japan, Notes Buy-Line, Bank of New Zealand, New Zealand, Notes CAFIS, NTT Data Corp., Japan, Notes Cambist, Cambist Merchant Solutions, United States, Notes Camtech, Camtech Corp., Australia, Notes CCNow, CCNow, Inc., United States, Notes Chinatrust, Chinatrust Commercial Bank (CTCB), Taiwan, Province of China, Notes CIBC, Canadian Imperial Bank of Commerce, Canada, Notes CIPAS Indonesia, PT. CIPAS Indonesia, Indonesia, Notes CitiBank India, CitiBank India, India, Notes ClearCommerce, ClearCommerce Corp., United States, Notes ClickBank, Keynetics Inc., United States, Notes ClickPay, Professo, LLC, United States, Notes CMB, China Merchants Bank, China, Notes Comtrust, Comtrust, United Arab Emirates, Notes CyberCash, VeriSign Payment Services, United States, Notes CyberMUT, Groupe Crédit Mutuel, France, Notes CyberSource, CyberSource Corp., United States, Notes DataCash, DataCash Ltd., United Kingdom, Notes DirectLink, Plug 'n Pay Technologies, Inc., United States, Notes DnB, DnB - Den norske Bank, Norway, Notes E-Commerce Africa, E-Commerce Africa, Netherlands, Notes E-Payment, Interactive Worldwide Limited, Australia, Notes e4Sure, e4asia Inc., Thailand, Notes EBS, Electronic Billing Systems AG, Germany, Notes Ecgate, Ecnet, South Africa, Notes ECHOnline, Electronic Clearing House, Inc., , Notes eops, eops AG, Germany, Notes ePagos, ePagos Merchant Services, United States, Notes ePDQ, Barclaycard Merchant Services, United Kingdom, Notes eSec Payment Service, eSec Ltd., Australia, Notes eStores, Bank of America, United States, Notes EuroDebit, Moreband Corp. NV, Netherlands Antilles, Notes FirstEcom, First Ecom, HongKong, Notes GestPay, Banca Sella S.p.A., Italy, Notes HDFCBank, HDFC Bank, Ltd., India, Notes I.N.G, Internet Networking Group, Netherlands, Notes

iBill, Internet Billing Company, Ltd., United States, Notes IntelliPay, IntelliPay Inc., United States, Notes IPGS, Visa, United States, Notes iVeri, eCompany Ltd., South Africa, Notes JustGiving.com, Justgiving, United Kingdom, Notes Ka-Chingg and TPG, iPayment Technologies, United States, Notes Kagi, Kagi, United States, Notes LinkPoint, CardService International, United States, Notes LiveProcessor, Paymentplus, Inc., United States, Notes MultiCards.com, De Postel BV, Netherlands, Notes NetBanx, NetBanx Ltd., United Kingdom, Notes Netbilling, Automated Billing Services, United States, Notes Online Charge, Innuity, Inc., United States, Notes OrderButton, OrderButton.Net, Inc., United States, Notes Pago PAY, Pago eTransaction Services GmbH, Germany, Notes PAY@db, Deutsche Bank, Germany, Notes PayCash.ru, Alkor Group of Companies, Russian Federation, Notes PayControl, Netcetera AG, Switzerland, Notes PayFlow, VeriSign Payment Services, United States, Notes Paymentservice, Paymentservice.at, Austria, Notes PayPal, PayPal, United States, Notes PaySeal, ICICI ePayments Ltd., India, Notes PayWare, Trintech Group plc, Ireland, Notes PayWay, Nobil IT Corporation, Canada, Notes PlanetPayment, Planet Group Inc., United States, Notes QPAY and QTILL, QENTA paymentsolutions GmbH, Austria, Notes QSI Client Class, QSI Payments, Australia, Notes Secure-e-pay, Global Tele-Systems Ltd., India, Notes SecurePay, SecurePay Pty Ltd., Australia, Notes SecureTrading, SecureTrading, United Kingdom, Notes Setcom, Setcom (Pty) Ltd., South Africa, Notes SIPS, Siam Commercial Bank PCL., Thailand, Notes Solo e-payment, Solo Market/Merita Bank Plc, Finland, Notes Speedpay, E Commerce Group, United States, Notes SurePay, SurePay LP, United States, Notes Telecharge Canada, TeleCharge Canada, Canada, Notes Telecommerce, France Telecom, France, Notes Thirt, Thirt.com, South Africa, Notes TOPGate, Shanghai Bankcard Network Services Corp., China, Notes USA ePay, GorCorp Inc., United States, Notes VIP, Virbus AG, Germany, Notes WebCollect, GlobalCollect, Netherlands, Notes Webmoney.ru, WebMoney Transfer, Russian Federation, Notes Webpay, Transbank, Chile, Notes WorldPay, WorldPay plc, United Kingdom, Notes